The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 20, 2012
Filed:
Jan. 09, 2009
Brandon J Casey, San Jose, CA (US);
Gary Wipfler, Los Altos, CA (US);
Erik Cressall, San Jose, CA (US);
Brandon J Casey, San Jose, CA (US);
Gary Wipfler, Los Altos, CA (US);
Erik Cressall, San Jose, CA (US);
Apple Inc., Cupertino, CA (US);
Abstract
There is provided a method and system for real-time authorization of cardholder-not-present transactions. An authorization request application may be implemented on an electronic device, such as a cellular phone, a personal media player, or a computer. A cardholder may register a card account, such as a credit account, a debit account, a gift card account, and so forth, for participation in the real-time authorization program. The cardholder may then receive authorization requests when cardholder-not-present transactions are attempted. Via the authorization request application, the cardholder may approve or decline the authorization request. In addition, the cardholder may configure settings for automatically responding to missed authorization requests. The authorization request application may also allow the cardholder to flag automatically approved requests as unauthorized within a certain time period after an automatic approval response is sent, thereby enabling prompt detection of fraudulent activity.